Filip Lundstedt

Well, that's how insurance works. That's how they make money. Exactly. They always win unless there's a hurricane in Florida. And then they might lose that. That's why I'm not in that business.

Well, that's how insurance works. That's how they make money. Exactly. They always win unless there's a hurricane in Florida. And then they might lose that. That's why I'm not in that business.

Homeowner's insurance, forget it. It's crazy to me. But with health insurance, it works like that all the time. And same thing with business owners. They're looking at it from an aspect of, well, these are dollars that have to go out for employees. And I'd rather put that into marketing or whatever, whatnot. I said, well, what about retention?

Homeowner's insurance, forget it. It's crazy to me. But with health insurance, it works like that all the time. And same thing with business owners. They're looking at it from an aspect of, well, these are dollars that have to go out for employees. And I'd rather put that into marketing or whatever, whatnot. I said, well, what about retention?

Homeowner's insurance, forget it. It's crazy to me. But with health insurance, it works like that all the time. And same thing with business owners. They're looking at it from an aspect of, well, these are dollars that have to go out for employees. And I'd rather put that into marketing or whatever, whatnot. I said, well, what about retention?

and hiring people, you should have a great benefit system.

and hiring people, you should have a great benefit system.

and hiring people, you should have a great benefit system.

Even the dollar amount to pay for insurance for health employees, there are ways to even like get tax write-offs from that and strategies where it's not as much as you think once you do the maths, right?

Even the dollar amount to pay for insurance for health employees, there are ways to even like get tax write-offs from that and strategies where it's not as much as you think once you do the maths, right?

Even the dollar amount to pay for insurance for health employees, there are ways to even like get tax write-offs from that and strategies where it's not as much as you think once you do the maths, right?

Correct. Not only that, you can do, there's certain, if you offer wellness programs, there's a tax code section 125C that the government will actually give you breaks in your FICA tax. and it's up to $500, $600 sometimes per employee per year. So if you got 100 employees, you're getting all this money back in tax breaks, right? As the employer, the employee then has an indemnity product

Correct. Not only that, you can do, there's certain, if you offer wellness programs, there's a tax code section 125C that the government will actually give you breaks in your FICA tax. and it's up to $500, $600 sometimes per employee per year. So if you got 100 employees, you're getting all this money back in tax breaks, right? As the employer, the employee then has an indemnity product

Correct. Not only that, you can do, there's certain, if you offer wellness programs, there's a tax code section 125C that the government will actually give you breaks in your FICA tax. and it's up to $500, $600 sometimes per employee per year. So if you got 100 employees, you're getting all this money back in tax breaks, right? As the employer, the employee then has an indemnity product

And the indemnity product is like a mental health, nutrition counseling, something like that. And we automate the system. So every month we're sending a text message to the employee saying like, how are you feeling today? Just to keep it in layman's terms. And they're like, I feel great. Fantastic. Well, that initiates the indemnity. So then the indemnity reimburses the money they pay.

And the indemnity product is like a mental health, nutrition counseling, something like that. And we automate the system. So every month we're sending a text message to the employee saying like, how are you feeling today? Just to keep it in layman's terms. And they're like, I feel great. Fantastic. Well, that initiates the indemnity. So then the indemnity reimburses the money they pay.

And the indemnity product is like a mental health, nutrition counseling, something like that. And we automate the system. So every month we're sending a text message to the employee saying like, how are you feeling today? Just to keep it in layman's terms. And they're like, I feel great. Fantastic. Well, that initiates the indemnity. So then the indemnity reimburses the money they pay.

So it cuts their taxes in half. for the employee. So they're paying half in taxes and the savings that they get in their taxes then buys insurance. So a lot of times with the companies we have, one, they're getting massive rebates back, two, the employees are getting free health insurance. Free health insurance, free life insurance, free HSAs. And it's like, what?

So it cuts their taxes in half. for the employee. So they're paying half in taxes and the savings that they get in their taxes then buys insurance. So a lot of times with the companies we have, one, they're getting massive rebates back, two, the employees are getting free health insurance. Free health insurance, free life insurance, free HSAs. And it's like, what?

So it cuts their taxes in half. for the employee. So they're paying half in taxes and the savings that they get in their taxes then buys insurance. So a lot of times with the companies we have, one, they're getting massive rebates back, two, the employees are getting free health insurance. Free health insurance, free life insurance, free HSAs. And it's like, what?